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States with the most delinquent debt

One in three Americans -- or 77 million people -- are so behind on their debt that it's in collections, according to a new study by the Urban Institute. The average amount? $5,200. Here's a look at the states with the most delinquent debt:

21. (tie) Missouri -- 35.4 percent of debt in collections

21. (tie) Ohio -- 35.4 percent

20. Indiana -- 35.5 percent

19. Maryland -- 36.8 percent

18. Delaware -- 37.8 percent

17. Arizona -- 38.7 percent

16. Oklahoma -- 38.9 percent

15. Tennessee -- 39.1 percent

14. Arkansas -- 40.2 percent

13. North Carolina -- 40.3 percent

12. New Mexico -- 40.8 percent

11. Florida -- 41 percent

10. West Virginia -- 41.5 percent

9. Alabama -- 41.7 percent

8. District of Columbia -- 41.8 percent

7. Kentucky -- 41.9 percent

6. Georgia -- 42 percent

5. Louisiana -- 43.8 percent

3. (tie) Mississippi -- 44.7 percent

3. (tie) Texas -- 44.7 percent

2. South Carolina -- 46.2 percent

1. Nevada -- 46.9 percent

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